We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 74386 results
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Decision Reference DRN-4117391
21 Sep 2023 CMME Mortgages And Protection Limited Not upheldMortgagesDRN-4117391 The complaint Mrs G and Mr S complain about the advice and service they got from CMME Mortgages and Protection Limited trading as CMME in relation to their mortgage application. What happened CMME is a mortgage broker. In 2022 Mrs G and Mr S were planning to relocate. In late A... (4 pages)View decision -
Decision Reference DRN8608900
19 Jan 2016 Bank of Scotland Plc UpheldPayment protection insurance (PPI)Mr S is complaining that Bank of Scotland plc (trading as Halifax) mis-sold him a payment protection insurance (PPI) policy on a credit card. He’s unhappy with how much it’s offered him in compensation. He’s also complaining that it’s charged him interest and bank charge... (7 pages)View decision -
Decision Reference DRN-3286112
15 Feb 2022 Progressive Money Limited Not upheldConsumer CreditDRN-3286112 The complaint Mr G complains that Progressive Money Limited (PML) sold his debt when they shouldn’t have and delayed in telling him. What happened Mr G took out a loan with PML in 2017. He defaulted on this arrangement shortly after. He subsequently arranged a payment plan wit... (2 pages)View decision -
Decision Reference DRN-3747478
12 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3747478 The complaint Mrs A complains that NewDay Ltd acted irresponsibly when it increased the credit limit on her credit card. What happened Mrs A had a credit card account with NewDay. She says she was experiencing significant financial difficulties and was on a debt management plan... (6 pages)View decision -
Decision Reference DRN-3766955
9 Nov 2022 Santander UK Plc Not upheldBanking and PaymentsDRN-3766955 The complaint Ms M complains that Santander UK Plc (‘Santander’) is seeking to recover a debt she believed it agreed to write off. What happened What Ms M says Ms M had a Santander student account. She says that in November 2020 she went into branch to pay off her overdraft and... (3 pages)View decision -
Decision Reference DRN7148601
6 Nov 2013 National Westminster Bank Plc Not upheldBanking and creditMr S complains that National Westminster Bank Plc (“NatWest”) is holding him liable for an overdraft on the business account of his former limited company. background Mr S asked the bank to cancel the personal guarantee he had previously signed against a business current account. The ba... (2 pages)View decision -
Decision Reference DRN6949280
11 Jul 2013 Vanquis Bank Limited UpheldBanking and creditMrs R complains about Vanquis Bank Limited’s behaviour relating to chasing overdue amounts on her credit card account - in particular, calling her at work after she asked it not to do so.backgroundMrs R was in arrears on her credit card account and Vanquis Bank contacted her repeatedly... (2 pages)View decision -
Decision Reference DRN2141618
20 Jul 2016 Idem Capital Securities Limited Not upheldBanking and creditMiss M wants Idem Capital Securities Limited to correct her credit file, and compensate her for the trouble and upset its inaccurate information has caused.backgroundIdem bought Miss M’s debt from a third party in March 2012. There was a formal repayment arrangeme... (2 pages)View decision -
Decision Reference DRN6108144
28 Oct 2014 Harrington Brooks (Accountants) Limited UpheldBanking and creditMr and Mrs D have complained that their debt management plan with Harrington Brooks (Accountants) Limited was unsuitable and not properly explained to them, and has adversely affected their credit rating.backgroundMr and Mrs D entered into a debt management plan with Harrington Brooks,... (2 pages)View decision -
Decision Reference DRN6025982
25 May 2016 Vanquis Bank Limited UpheldBanking and creditMr V complains that Vanquis Bank Limited (“Vanquis”) has not treated him fairly in that it incorrectly debited his credit card account twice, putting him well in excess of his credit limit. He would like Vanquis to write off the debt and close the account. backgro... (2 pages)View decision
